存401K 能够降低税率?

xiaocao123

Tax Rates for the 2013 如下：

25% on taxable income over $72,500 to $146,400
28% on taxable income over $146,400 to $223,050

有人问如果夫妻两人年收入超过１５万，报税的税率就是２８％。 如何才能降低税率从２８％到２５％。
能够通过存４０１K来降低税率吗？如果夫妻两人存１万，那么他们的收入就是１４万，就能够用２５％来报税了，这是正确的吗？

It is not right. Only the money in the bracket $146,400 to $223,050. If you make $200,000 a year.
lower bracket tax for the money below $72K
25% on taxable income over $72,500 to $146,400,
28% on 200,000 - 146,400.

If you put money in 10k. the tax will be
25% on taxable income over $72,500 to $146,400,
28% on 200,000 - 146,400 - 10,000(401k).

Today's tax rate is very low. When you start to withdraw the 401k, tax rate will be much more than ones in today.